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Comparison of Deposit Account from VELOCITY COMMUNITY with 3.50% - May 2025


Long-Term Analysis of F & C Bank with 0.50% APY and HNB First Bank with 0.40% APY and VELOCITY COMMUNITY with 3.50% APY and FIRST PRIORITY with 1.30% APY and SOLUTIONS with 0.60% APY and ALLEGENT COMMUNITY with 0.25% APY and Spring Hill State Bank with 0.76% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    F & C Bank
    0.50%
    -
    $50,000
    36 Month
    Bank
    0.66x (National Avg. - 0.75%)
    $2,500
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671
  • 2
    LOCAL CD
    HNB First Bank
    0.40%
    -
    $50,000
    6 Month
    Bank
    0.98x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 3
    LOCAL CD
    VELOCITY COMMUNITY
    3.50%
    -
    $50,000
    6 Month
    Credit Union
    8.60x (National Avg. - 0.41%)
    $1,000
     
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 4
    LOCAL CD
    FIRST PRIORITY
    1.30%
    -
    $50,000
    60 Month
    Credit Union
    1.41x (National Avg. - 0.92%)
    $100,000
     
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317
  • 5
    LOCAL CD
    SOLUTIONS
    0.60%
    -
    $50,000
    12 Month
    Credit Union
    1.09x (National Avg. - 0.55%)
    $100,000
     
    SCENARIO
    Year Rate
    0.60%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 301 210
    2 50,301 302 212
    3 50,603 304 213
    4 50,907 306 214
    5 51,213 308 215
    6 51,521 310 217
    7 51,830 312 218
    8 52,142 313 219
    9 52,455 315 221
    10 52,770 317 222
    11 53,088 319 223
    12 53,407 321 225
    13 53,728 323 226
    14 54,051 325 227
    15 54,375 327 229
    16 54,702 329 230
    17 55,031 331 232
    18 55,362 333 233
    19 55,694 335 234
    20 56,029 337 236
    TOTAL $6,366 $4,456
  • 6
    LOCAL MONEY MARKET
    ALLEGENT COMMUNITY
    0.25%
    -
    $50,000
    N.A.
    Credit Union
    0.45x (National Avg. - 0.55%)
    $25,000
     
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 7
    LOCAL CD
    Spring Hill State Bank
    0.76%
    -
    $50,000
    36 Month
    Bank
    1.01x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.76%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 380 266
    2 50,380 383 268
    3 50,763 386 270
    4 51,149 389 272
    5 51,537 392 274
    6 51,929 395 276
    7 52,324 398 278
    8 52,721 401 280
    9 53,122 404 283
    10 53,526 407 285
    11 53,933 410 287
    12 54,343 413 289
    13 54,756 416 291
    14 55,172 419 294
    15 55,591 422 296
    16 56,013 426 298
    17 56,439 429 300
    18 56,868 432 303
    19 57,300 435 305
    20 57,736 439 307
    TOTAL $8,175 $5,722

    All calculations are for demonstration purposes only.

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